Pricing

Checking a bill, a denial, or your options for help paying is always free. You pay only if we find something and you want the letter that acts on it.

Free — bill analysis

Upload a US medical bill and every line is checked against the published 2026 Medicare fee schedules. You see which charges sit above fair market, by how much in total, and how much of the bill we could not assess. No account, no email, no card.

Free — itemized bill request

If your bill is a lump sum with no line items, we cannot price it and we do not charge you. We write the request that asks the provider to itemize it, at no cost, and you can upload the itemized version when it arrives.

$39 — negotiation letter

A letter addressed to your provider's billing office, citing the specific line items, what each was billed at, the published benchmark rate for each, and the schedule that rate comes from. You review it, edit anything you want, and send it yourself. You also get the line-by-line figures behind the total.

One payment, one bill. No subscription, no percentage of anything you save, no recurring charge.

When we find nothing to dispute

If your bill is priced in line with published rates, there is nothing worth disputing. We tell you that, we do not offer you a letter, and you are not charged.

$49 — insurance appeal

Upload the Explanation of Benefits your insurer sent you. We check the denial reason against your plan type and draft an appeal letter to your insurer citing the specific claim, denied charge, and stated reason. When the denial turns on clinical documentation only your treating physician can supply, you also get a second letter to their office requesting exactly that — both included in the same payment.

One payment, one denial. No subscription, no percentage of anything recovered.

$9 — financial assistance letter

Upload your bill and answer two questions about your household. We identify the hospital and write a request asking to be considered for financial assistance, a hardship discount, or a self-pay program, with your household details already in it. The hospital decides. We cannot promise an outcome.

One payment, one request. No subscription, no percentage of anything assisted.

What this is not

We do not negotiate on your behalf, contact your provider or insurer for you, or represent you. We are not a law firm and do not give legal advice. A provider may lawfully charge more than Medicare rates, an insurer may lawfully uphold a denial, and a hospital may decline a request for assistance — no letter can guarantee an outcome.